Government-backed programs with the most favorable rates and longest repayment terms available to small businesses. We guide you from application to approval.
SBA loans are partially guaranteed by the U.S. Small Business Administration, which allows participating lenders to offer lower rates, longer terms, and smaller down payments than conventional loans. The tradeoff is a longer approval process with more documentation. Finance Foundry prepares your package, identifies the right SBA-approved lender for your profile, and navigates the process to maximize your approval odds. We handle SBA 7(a), 504, and Express programs.
How long does SBA approval take?
Standard SBA 7(a) loans take 30–90 days from application to funding. SBA Express loans can be faster (as quick as 36 hours for decisions up to $500K). We'll help you choose the right program for your timeline.
Do I need collateral for an SBA loan?
The SBA requires lenders to take available collateral when it exists, but the lack of collateral alone is not a reason to deny an SBA loan. We'll help you navigate this requirement.
What's the difference between SBA 7(a) and 504?
SBA 7(a) is the most flexible — it can be used for almost any business purpose. SBA 504 is specifically for fixed assets (real estate, large equipment) and offers fixed-rate, long-term financing with a lower down payment.
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